CACH LLC - What are the consumer grievances against them?

Many consumers have complaints about the collection agency (CA), CACH LLC. They often contact consumers about invalid debts and violate debt collection practices laws. To know about the other complaints made against the collection agency, take a look at the topics given below:

What complaints do consumers have about CACH LLC?

Many customers have expressed their grievances against this agency in the DebtCC forums. Some of those complaints are:

Collecting non-existent credit card debts: One of the common allegations against CACH LLC is that they try to collect on credit card debts the customers never had. One consumer alleges that the agency contacted him about a credit card account he had never taken out. Even the credit card number the agency gave him did not match his original credit card number! Find out more

Failure to validate debts: Another consumer said the agency filed suit against him for a credit card debt. When he sent them letters asking them to validate the account, he got no response from them. Learn more

Threatening calls: CACH LLC often makes threatening calls to customers. One consumer accuses the agency of threatening to send her husband to jail and have both herself and her husband fired from their jobs if they did not pay off the account. Here're the detail

Unnecessary harassments: This collection agency is accused of making calls to customers when they are at work. This is a clear violation of the FDCPA which prohibits collection agencies from making calls to customers while they are at work. The agency is even accused of harassing the consumer's relatives and family members. This is also a violation of the FDCPA.

Abusive behavior: The company's representatives are said to abuse customers over the phone. One customer complained that a representative used abusive language while his child was on the phone!

How can you stop harassment by CACH LLC?

If you want to stop the CA's harassment, you should take the following steps:

Ask for validation: First, ask the CA to validate the debt they're trying to collect on. Send them a validation letter asking for all the necessary documents that prove you owe the debt. Also check if the SOL has expired. In case it is, they cannot sue you for the debt.

Send Cease and Desist letter: If you do not owe the debt or the SOL has expired, CACH LLC collection agency cannot harass you. If they are still harassing you and your family, send them a cease and desist letter stating you want to deal with the original creditor directly. Under the FDCPA, they are not supposed to call and harass you after receiving a Cease and Desist letter letter from you.

Answer the complaint: If they file a lawsuit against you, file an answer and appearance to the complaint. If you don't, they can get a default judgment against you. When you go to court, make sure you have evidence to support your case.

What are the contact details of CACH LLC?

If, you need CACH LLC's contact information, the following details can help you:

We live in Texas. my husband is being sued by cach llc. we have been dealing w/ them for some time. I sent a letter to 2 different law firms representing them requesting information on the debt and received no response. The first was in 3/07 and the second was 12/07. He has never had a card with the bank they have listed. The lawsuit was filed by a different (this makes three that i am aware of) lawyer. We have received no paperwork from this one before.
From reading in this forum other questions, i know we need to answer the request for admissions. Do i also send a letter of debt validation to this new lawyer representing them? this has been a nightmare. My child is not able to answer the phone because someone was calling saying his dad was a worthless piece of sh..; they told him he was going to go to jail. They were calling him at work until he logged their numbers in as a don't answer id. They have called his mother telling her that he will be fired from his job. they have threatened to have me fired from my job. they have told him they would come take the money "out his a.." this is just a few of the things we had been dealing with. Once i sent a letter to the law firm, they stopped for a while. I don't even know if this is something he owes. He has only had one credit card ever and the limit was 2000, (They are trying to collect 7623) and this was before we were married 8 years ago. He had made payments on it for a long time, was not using it after we married at all. but like i said, we don't even know if this is related to what cach is doing. no one will answer that question.
Please help, what do i do?

They don't sound like CACH LLC
law offices to me. You have several violations listed already. Someone
will be able to help you . In the mean time keep a log of all calls and
what is said.Also if you can record the calls.
I would send DV letter right away. You have
rights!

If the card listed is truly
not his,I would go the id theft route to slam dunk this CACH LLC
lawsuit. Make sure you file an answer to suit to prevent a default
judgment. File a id theft police report and forward a copy to the
courthouse,the attorney,and all credit bureaus.This will remove their
suit as they have the wrong person. if CACH is stupid enough to persist
after this,hire a lawyer & take them to the
cleaners.

I would head off to Radio
Shack and buy a tape recorder and start taping these calls. TX is a
1-party state so you don't have to inform them. Who are they claiming
as the original creditor? With all the mergers over the past few years
it is possible that this acct could be one of those. When did he stop
paying on the account and what shows on his credit reports?

If CACH, LLC has already issued a summons, a DV now won't help you but
the DV's you have already sent in '07 will if they have never validated.
What came with the summons? A questionaire, affadavits,
Interrogatories, etc...?

we received a 4 page request
for admissions. This asks questions such as did he sign an application
for the card in the county we live in. He has never applied for any
credit card in this county. "the card" is defined as Chase Manhattan
Bank card. he has never had a Chase Manhattan card, so all other
questions referring to the card would have to be answered as false
statements.

Sub: #6 posted on Mon, 07/21/2008 - 16:57

Unregistered

Have you checked his credit
report to see what is showing on there? Could it be a case of identity
theft? If so, you need to file a police report. Also, Chase purchases
cards from other banks. I ended up with two Chase cards that didn't
start out being with Chase. Does the paperwork reference an account
number or anything else?

i think they are trying to get
me for a old old providian card. I checked on case net and saw the court
date and everything but they have my old address so the summons was
returned and that was back in may I haven't heard from them since but
I'm waiting for the knock at the door and already have my lawyer waiting
on his paperwork so he can go to work for me.

Sub: #8 posted on Tue, 07/22/2008 - 14:39

Unregistered

I pulled my husband credit
report and yeah... collect america cach llc collections is on there too.
They are stating that he owes $886. on a credit card. That we have not
never opened. They were able to give me the credit card # and I looked
at the one that we have...thinking maybe I did something wrong on paying
on the card. Yeah...the # s did nt match at all. Just to give you heads
up...they are just talk. I use to work for a collection dept. (as a
rep.) they collector would talk trash. Oh, and if they tell you that
they have a legal dept. NO...they don't. You are able to cease desist
all communication with them. You would have to do it in writing and if
they are wanting to collect...they have to prove that your husband does
owe that debt. Until further notice they can nt call you or send you any
kinds of notice. Until they are able to prove the debt. Good
luck!!!!!!!!!

Sub: #9 posted on Thu, 02/12/2009 - 19:10

Unregistered

Guest, if someone has opened a
cc account in your spouses name you should file a police report and send
a copy to the CA, if you don't try to get this cleared up, you might
wind up with a judgement against you for a debt that is not
yours.

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